Undercharged on foreign currency

daytona0

deeLFC wrote: »

And as for the money being spent which I had, I stated in a comment that I had to pay for my car to get repaired. As a carer I need my car to travel between each service every day.

Had the correct amount been paid at the point o sale, how would you have repaired your car?


That's a !!!!!!!! reason tbh... You'd have got money together to repair your car had you paid the correct amount, or you would have got the bus to work 4 a week etc.

halibut2209

Stoke wrote: »

I find it very interesting that when people say "Oh I've been overcharged somewhere" some people say caveat emptor, the contract is complete, they owe you nothing.

Well surely if that is the case, the same applies here. I've obviously got a thread open here about being overcharged by Tesco on one of their offers, as in, is the contract complete? If so, they owe me nothing.

Well surely that's the case here if the same rule applies?

They are different scenarios. In your case, the cashier said "That's £x please" and you paid that. That's offer and acceptance

In this case, the cashier said "That's £x please", and the OP paid £y

Stoke

halibut2209 wrote: »

They are different scenarios. In your case, the cashier said "That's £x please" and you paid that. That's offer and acceptance

In this case, the cashier said "That's £x please", and the OP paid £y

The cashier placed the wrong amount into the chip and pin device. That is not the fault of the OP. If the OP intentionally avoided telling the cashier than that is on their own moral conscious. However, if the cashier had placed the wrong amount in and the OP had paid more, let's say that would effectively be the inverse of the scenario right? I wonder just how many people would be saying "take a valuable lesson" and "you should have checked the chip and pin".

Funny that.

OlliesDad

Stoke wrote: »

The cashier placed the wrong amount into the chip and pin device. However, if the cashier had placed the wrong amount in and the OP had paid more, let's say that would effectively be the inverse of the scenario right?

In that case the OP would be due a refund of the additional money paid.

rustyboy21

Forgive me if I am wrong, but whenever I have bought currency from the BDC I usually ask for '' Can I have £1000 in Euros please?'' This is usually followed by the statement like' I can do you 1100e which would be (say) £980'' Then I get asked for my passport and debit card and then £980 shows up on the chip and pin.


If the OP asked for X amount in £ of Euros, then they would have been given a figure in £ it would be. If the chip and pin amount was lower then it would obviously be a mistake, but they still did know that it was going to cost X amount to complete the deal.


OP you are clutching at straws here, just do the right thing and pay them back, no excuses, find the money and pay them back. It sounds like you could be the type who if £1million was credited to your account by accident, you would spend it and then deny all knowledge of it.


A very poor trait in people , I find.

deeLFC

Thanks for the advice guys, but I'm not a bad guy nor am I trying to get out of paying it, I can't afford to pay it and I was simplying querying what they could do if I didn't pay it e.g. in a certain time frame.

When I received the phone call I was at work so couldn't go and pay the remaining balance and the next day I was driving to Manchester for my holiday.

The amount in question isn't 50% or 10% of the total balance, it was a few hundred pound.

With regards to my car repairs, I had to spend that 300+extra on getting a new engine for my car. I'm only stating this as I I'd have to go into £300 more debt when I'm unsure whether it's a necessity to do so.

Also the whole issue of the chip and pin machine, how many people actually check the amount on the machine? I was unaware that the price she had typed in the machine to the price she had said was different until she rang me.

powerful_Rogue

deeLFC wrote: »

Thanks for the advice guys, but I'm not a bad guy nor am I trying to get out of paying it, I can't afford to pay it and I was simplying querying what they could do if I didn't pay it e.g. in a certain time frame.

When I received the phone call I was at work so couldn't go and pay the remaining balance and the next day I was driving to Manchester for my holiday.

The amount in question isn't 50% or 10% of the total balance, it was a few hundred pound.

With regards to my car repairs, I had to spend that 300+extra on getting a new engine for my car. I'm only stating this as I I'd have to go into £300 more debt when I'm unsure whether it's a necessity to do so.

Also the whole issue of the chip and pin machine, how many people actually check the amount on the machine? I was unaware that the price she had typed in the machine to the price she had said was different until she rang me.

Always. Its right their in front of you as you type your pin in.

What would you have done if you had paid the correct price originally and then your car broke?

deeLFC

powerful_Rogue wrote: »

Always. Its right their in front of you as you type your pin in.

What would you have done if you had paid the correct price originally and then your car broke?

Then I'd be in £*** more debt then I am now, but I've had to max out credit cards to afford the repairs as it is.

And I know 100% that not everyone checks the amount on the machine if the cashier states how much it's going to cost verbally as they hand it over

bod1467

deeLFC wrote: »

And I know 100% that not everyone checks the amount on the machine if the cashier states how much it's going to cost verbally as they hand it over

Even though they (almost) always say "Please check the amount and then enter your PIN"?

rustyboy21

deeLFC wrote: »

Thanks for the advice guys, but I'm not a bad guy nor am I trying to get out of paying it, I can't afford to pay it and I was simplying querying what they could do if I didn't pay it e.g. in a certain time frame.

When I received the phone call I was at work so couldn't go and pay the remaining balance and the next day I was driving to Manchester for my holiday.

The amount in question isn't 50% or 10% of the total balance, it was a few hundred pound.

With regards to my car repairs, I had to spend that 300+extra on getting a new engine for my car. I'm only stating this as I I'd have to go into £300 more debt when I'm unsure whether it's a necessity to do so.

Also the whole issue of the chip and pin machine, how many people actually check the amount on the machine? I was unaware that the price she had typed in the machine to the price she had said was different until she rang me.

Why don't you just ring them, or call in and politely and rationally tell them of your situation. If you are prepared to pay them back in reasonable instalments ( reasonable to them that is) then you may be surprised with the outcome.


You really should start looking at the chip and pin machine when entering you pin. This is the only time you can check that the correct amount is being paid. There are many of us ( I would say the majority) who do check them, it stops all the aggro you are facing now. If it is wrong in their favour tell them, if it is wrong in your favour, Tell them.


It is not a small amount (£300+) so I am not surprised they are chasing you, but it also such a large amount that you wouldn't know they had undercharged you at the time of purchase.


Have a word with your bank, they may offer you a temporary overdraught or a small loan to get it out the way quickly and stop any debt collectors, CCJ's against you happening, which they may instigate if you don't pay up. You can always get the money from somewhere, friends,family etc. Just try and stop it before it snowballs into silly fines and judgements.